Home Loan Interest Rates & Fees Across Banks and NBFCs - 2026

Updated on 9-6-2026 Written by Ramandeep Sadana, Credit Expert with over 10 years of experience

Find the best rates only with Ambak. Looking for the best home loan interest rates in 2026? Here’s a complete list of current home loan rates and processing fees offered by leading banks and housing finance companies in India. This table helps you easily compare loan offers across HDFC,

76 Banks Found

Central bank of India

Loan Amount

₹5 L–₹30 Cr

ROI

7.2%

EMI/Lakh

₹788/mo

LTV up to 90%

Processing Fees0.5% + GST

Login FeeWaived

Account Handling Chargesno account handling charges

Legal & Technical FeeRs. 12,000

Due Diligence ChargesNo due diligence charges

Union bank of India

Loan Amount

₹5 L–₹30 Cr

ROI

7.1%

EMI/Lakh

₹782/mo

LTV up to 90%

Processing FeesRs. 17,700 + GST

Login FeeWaived

Account Handling Chargesno account handling charges

Legal & Technical FeeRs. 12,000

Due Diligence ChargesNo due diligence charges

CERSAI ChargesRs. 118

State Bank of India

Loan Amount

₹5 L–₹30 Cr

ROI

7.25%

EMI/Lakh

₹791/mo

LTV up to 90%

Processing FeesRs.15,000 + GST

Login FeeWaived

Legal & Technical FeeRs.6,321 (for loan amount less than 1 Cr) and Rs.14,190 ( for loan amount greater than 1 Cr)

E-Stamp ChargesOn Actuals

Due Diligence ChargesNo Due Diligence Charges

CERSAI ChargesRs.118

Punjab National Bank

Loan Amount

₹5 L–₹30 Cr

ROI

7.25%

EMI/Lakh

₹791/mo

LTV up to 90%

Processing FeesWaived

Login Feeno login fee

Legal & Technical FeeRs. 15,000

E-Stamp ChargesRs. 1,000 - 1,200 + GST

Due Diligence ChargesNo due diligence charges

CERSAI ChargesRs. 118

MODT Charges0.30% + GST

NOI ChargesRs. 15,000 + GST

Loan Amount

₹5 L–₹30 Cr

ROI

7.2%

EMI/Lakh

₹788/mo

LTV up to 90%

Loan Amount

₹20 L–₹30 Cr

ROI

7.5%

EMI/Lakh

₹806/mo

LTV up to 90%

Processing Fees5,000 + GST

Login Fee1,000 + GST

Account Handling ChargesNo Account Handling Charges

Legal & Technical FeeRs.2,500 + GST

E-Stamp ChargesRs.2,000 - 2,500 + GST

Due Diligence ChargesNo Due Diligence Charges

CERSAI ChargesRs. 118

Bajaj Housing Finance

Loan Amount

₹5 L–₹30 Cr

ROI

7.2%

EMI/Lakh

₹788/mo

LTV up to 90%

Processing FeesRs.10,000 + GST

Login FeeRs. 1,499

Account Handling ChargesNo Account Handling Charges

E-Stamp ChargesRs.200

Due Diligence ChargesNo Due Diligence Charges

CERSAI ChargesRs.118

Loan Amount

₹5 L–₹30 Cr

ROI

7.3%

EMI/Lakh

₹794/mo

LTV up to 90%

Processing FeesRs.11,800

Login FeeWaived

Account Handling ChargesNo Account Handling Charges

Legal & Technical FeeWaived

E-Stamp ChargesWaived

Due Diligence ChargesNo Due Diligence Charges

CERSAI ChargesRs.100 + GST

Loan Amount

₹5 L–₹30 Cr

ROI

7.15%

EMI/Lakh

₹785/mo

LTV up to 90%

Processing FeesRs. 15,000 + GST

Federal Bank

Loan Amount

₹5 L–₹25 Cr

ROI

7.35%

EMI/Lakh

₹797/mo

LTV up to 90%

Processing FeesRs. 15,000 + GST

Loan Amount

₹5 L–₹20 Cr

ROI

7.35%

EMI/Lakh

₹797/mo

LTV up to 90%

Processing FeesRs. 15,000 + GST

L&T Housing Finance

Loan Amount

₹20 L–₹30 Cr

ROI

7.8%

EMI/Lakh

₹825/mo

LTV up to 90%

Processing Fees10,000+GST

Login Fee999 + GST

Account Handling ChargesNo Account Handling Charges

E-Stamp ChargesRs.2,000 - 2,500 + GST

Due Diligence ChargesNo Due Diligence Charges

CERSAI ChargesRs.118

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Types of Home Loans

The key to your dream home awaits!.

Home Construction Loan

Specifically designed for building a new house. Loan disbursements are made in phases, matching the progress of the construction.

Home Renovation/Improvement Loan

This loan covers the costs associated with renovating or improving an existing home. Interest rates are generally the same as those for a standard home loan.

Home Extension Loan

Ideal for homeowners looking to extend or add more space to their current home. Lenders usually finance 75% to 90% of the construction costs, depending on the loan amount and LTV ratio.

Bridge Loan

A short-term loan designed for individuals planning to purchase a new home with the proceeds from selling their current property.

Frequently Asked Questions

Q. Which bank offers the lowest home loan interest rate?

Ans: Interest rates vary by lender and borrower profile. Use the 'Lowest Rate' sort to see banks ranked by their minimum interest rate. Rates typically range from 8.5% to 12% p.a.

Q. What is LTV ratio and why does it matter?

Ans: LTV (Loan-to-Value) ratio is the percentage of the property value a bank will fund as a loan. A higher LTV means you need a smaller down payment. Most banks offer 75%–90% LTV.

Q. How is EMI per lakh calculated?

Ans: EMI per lakh is the monthly payment for every ₹1 lakh borrowed at a given rate and tenure. A lower EMI per lakh means lower monthly payments for the same loan amount.

Q. Can I get a home loan with a low CIBIL score?

Ans: Most banks require a CIBIL score of 700+. Some NBFCs and HFCs may approve loans for scores between 650–700, albeit at higher rates. Improving your score before applying is advisable.